November 2022
It is likely we will all need long-term care.  Someone turning age 65 today has a nearly 70% chance of needing some type of long-term care services according to LongTermCare.gov.  Many of us may have experienced a long-term care event through a family member or friend and have personally seen how impactful it can be, […]
C3 Financial Partners

Our Insights

November 2022
It is likely we will all need long-term care.  Someone turning age 65 today has a nearly 70% chance of...
October 2022
Living to triple digits used to be worthy of attention — and a mention on the Today Show. This is...
September 2022
Life insurance is often one of our largest assets. Yet, it is commonly unmanaged and misunderstood.  For many, life insurance...
August 2022
In the first quarter of 1972, the median price of a home sold in the U.S. was $27,000.  Fifty years...
July 2022
Rising inflation, low tax rates (for now), increasing interest rates, and uncertainty in Washington, D.C. and beyond.  These converging forces...
June 2022
According to the Pew Research Center, there is no longer one dominant family form in the U.S., with one out...
May 2022
Life insurance held in an irrevocable life insurance trust (ILIT) is a cornerstone of a solid wealth transfer strategy.  The...
April 2022
When working with closely held businesses and their advisors, C3 Financial Partners’ Senior Partner, Carolyn J. Smith, is fond...
March 2022
Winston Churchill said, “We make a living by what we get, we make a life by what we give.”  Giving...
February 2022
The federal debt has more than doubled in the last ten years.   As of December 2021, Congress had approved $4.5...
January 2022
Each New Year brings with it a renewed commitment to personal and financial health, and this includes the “health” of...
June 2021
This Spring, the C3 team created our own book club to review The Ruthless Elimination of Hurry by John Mark...
May 2021
Life insurance is often purchased for a specific purpose, crossed off the financial “to-do” list, and tucked away.  Although simple...
March 2021
We hosted our fourth 15-minute webinar of the “Coffee with C3” series in October, “Going in the Right Direction (Farther...
March 2021
With the colder weather upon us, it seems like coffee is powering us all through the day, and “Coffee with...
February 2021
Listen to Mark Goldman, CPA, and his fascinating podcast on “Where Accountants Go” featuring Carolyn Smith.  In this episode, A...
December 2020
Entering 202­­­1 gives new meaning to the phrase, “Hindsight is 2020.” When a new year starts, hindsight always follows.  And there...
December 2020
If you are looking for an easy, uplifting book to enjoy over the holidays, C3 recommends In the Garden of...
September 2020
Excerpt from CAP® Share Newsletter Issue 37, September 2020, American College of Financial Services Since its inception, the CAP® program...
August 2020
Fellow Advisors, “Life Insurance: A Valuable Contingent Asset Class?” is the title of a Trusts & Estates article published this...
August 2020
C3 Partner, Celeste C. Moya sits down to share how she found her way to the life insurance industry. Celeste...
March 2020
READ IN SPANISH Jay Judas, CEO of Life Insurance Strategies Group interviewed Celeste C. Moya, C3 Partner. Celeste is featured...
December 2019
Earlier this year, we formed a strategic alliance with LifeTrends, a life insurance analytics company. LifeTrends provides up-to-date product pricing,...
November 2019
When the Right Thing I entered the life insurance business four decades ago and was representing one insurance company.  In...
November 2019
As the old saying goes, you can’t take it with you. While this saying is usually brought up to justify...
September 2019
Over the course of more than three decades' experience in this area, we have worked to understand what makes some...
July 2019
In the life insurance and financial planning fields, several measures are used when considering what makes a good advisor. Advanced...
May 2019
Recently, the Dallas Foundation reached out to C3 Founder (formerly Texas Financial Partners) Todd S. Healy to write an article...
April 2019
Global citizens doing business in the United States are a growing clientele in the financial services industry.  As the global...
April 2019
LEER EN INGLES Los extranjeros no residentes que hacen negocios en los Estados Unidos constituyen una clientela en constante...
February 2019
When affluent multigenerational families contemplate the transfer of their assets across generations, they find themselves caught in complex legal structures...
October 2018
LEER EN INGLES Los individuos acomodados que pueden permitirse primas de seguro de vida, pero que prefieren no liquidar...
October 2018
Affluent individuals who can afford life insurance premiums but prefer not to liquidate assets or redirect cash flow to pay...
August 2018
The Origin of Our Client Continuity Merger When C3 Financial Partners came together, we came up with a model that...
June 2018
The phrase “Family Business” can conjure up various images.  One may be an image of multiple generations of family members...
August 2017
We’ve got the Traditionalists, the Baby Boomers, Generation X, and the Millennials — four generations all in adulthood. And there’s...